You can apply for health coverage in the Marketplace 4 ways: with a paper application, online, by phone, or in person with an assister.
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You can fill out a paper application and mail it in. You’ll find out whether you’re eligible for lower costs on private insurance, Medicaid, or the Children’s Health Insurance Program (CHIP).
Once you get your eligibility notice, you can either go online to compare, choose, and enroll in a plan or contact our call center. A customer service representative will help you.
If you or someone on your application are eligible for Medicaid or CHIP, a representative will contact you to enroll.
To get a paper application, download the application form and instructions.
When you apply online, you’ll follow a 4-step process:
Learn what you can do to get ready to enroll. If you run a small business, here’s what you can do to get ready to offer coverage for your employees in the SHOP Marketplace.
If you have any questions, there’s plenty of live and online help along the way.
To apply by phone, call 1-800-318-2596, 24 hours a day, 7 days a week (TTY: 1-855-889-4325). A customer service representative will work with you to complete the application and enrollment process.
You can also apply with the help of an assister who can sit with you and help you fill out a paper or online application. Read the next section for more details.
In all states, there are people trained and certified to help you understand your health coverage options and enroll in a Marketplace plan. They’re known by different names, depending on who provides the service and where they’re located. All can provide the help you need with your application and choices:
Insurance agents and brokers can also help you with your application and choices.
Visit LocalHelp.HealthCare.gov to find help in your area. You can search by city and state or zip code to see a list of local organizations with contact information, office hours, and types of help offered, such as non-English language support, Medicaid or CHIP, and Small Business Health Options Program (SHOP).
Before you fill out a Marketplace application, you can do 2 things to learn your options:
Use a cost and savings calculator to see if you may qualify for lower costs based on your household size and income.
Preview plans and prices available in your area.
By using both the Kaiser calculator and the plans and prices tool together, you’ll be able to see the plans and full prices available to you, and find out whether you’ll qualify for lower costs.
If your income is too high to qualify for lower costs, there are 4 ways you can buy a health plan.
Small business coverage: If you own a small business and want to apply for SHOP coverage for your employees, you’ll follow a different process. Begin that process now. Select your state from the drop down menu. Then click the green button to take the next step.
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See your options!